Speeding ticket in Michigan. Ohio resident with Ohio driver's license. Driving rental car covered by 3rd party insurance Allianz. 6-10mph over on 70mph expressway. Ticket states rental vehicle has Michigan plates, but it doesn't; it has Illinois plates... if that matters. How might this effect insurance?
How and whether points transfer will depend on Ohio's protocol. In Michigan, 6-10 mph over the limit on an expressway would be one point, but that does not mean that is how Ohio would record it. Any ticket that hits your record is likely to increase your insurance, but how much and for how long depends on the individual insurance company, as well as how they receive the records from the Ohio Bureau of Motor Vehicles. The insurance coverage you purchased for the rental won't affect how your own insurance carrier rates your policy because it just covers potential damage while you have the rental vehicle.
I hope this response helps; if so, please mark it as “helpful” and/or a “best” answer. My office regularly handles legal matters of this kind in the state of Michigan, but a complete analysis of any legal question involves individual facts and circumstances generally beyond the scope of a posting in this forum. Although your inquiry and my response do not create an attorney-client relationship, it is always advisable for you to consult with a qualified legal professional for a more comprehensive opinion about your individual situation and any recommended course of action.
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